Ian Parker Just Mortgages

Today is Armed Forces Day. Join us in showing our support and thanks to the people who make up the Armed Forces community.

Two different types of credit searches can be carried out – a hard or soft credit check. ✔

A soft credit check happens when you review your credit report or a lender checks to see if you’re eligible for certain offers. A soft credit check doesn’t show up on your report.

A hard credit check is usually carried out when you’ve made a finance application, such as a credit card or mortgage, and the lender wants to take an in-depth look at your report.

Hard credit checks may be noted on your credit report for up to two years and will be visible to other lenders.

Several hard credit checks in a short space of time may affect your ability to borrow as it could indicate you’re struggling to manage your finances. As a result, taking the time to understand which lenders are suitable for your needs could be useful as it may reduce the number of hard credit checks that are carried out.

A hard credit check can only be performed with your permission.

Don’t worry if you’re unsure about the two different types of credit searches and what they mean to you, we’re on hand to talk you through it all. Call us on 0345 2185211! 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

Delayed gratification is an approach where you wait for a period of time to decide to buy something and save up to buy it with cash – instead of putting it on your credit card. By approaching your spending this way you’re able to be more mindful and feel confident knowing you can afford it. 🛍
- Make a list of your ‘nice to have’ products, instead of rushing to buy them immediately. This can help you track your spending and work them into your monthly budget.
- Take a few days to decide if you really need that must-have item. You could change your mind altogether.
- If being on social media causes you to overspend, try cutting back and turning off ads.
- Unsubscribe from emails you receive from retailers and cancel any subscriptions you no longer need – especially ‘buy-now-pay-later’ schemes if you have them.
- Avoid using credit cards for a month and switch to a debit card or even cash when you do go out. It could help to stop you from being tempted by impulse purchases or higher-priced items.

For more saving tips, get in touch on 0345 2185211! 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

Today is Reserves Day. We are showing our support for those who give their time to serve in the Reserve Forces. Join us in thanking them for their dedication, professionalism and commitment to serving our country.

Critical Illness Insurance covers a set number of years and can be offered as extra coverage when you apply for life insurance. 👶
You can choose whether you want the payout to rise over the course of the term (so it keeps up with inflation) or the opposite – decreasing because you aim to cover something specific like your mortgage.
Contact us and let’s get you covered! ☂

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

You've secured your new home and the excitement of moving day is just around the corner. Don’t forget the crucial task of updating your contact details with a whole host of organisations. ✉🏠

Read the blog to find out who you need to notify! 👇
https://www.justmortgages.co.uk/news/posts/2024/june/youve-got-the-keys-now-who-needs-to-know-youre-moving/

In an unpredictable economic climate, uncertainty surrounding interest rates can be a concern for homeowners. 📈

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

Our latest blog is about owning a home with a part-time job! 💼

Take a look 👇
https://www.justmortgages.co.uk/news/posts/2024/june/owning-a-home-with-a-part-time-job/

Remortgaging opens the door to a range of flexible options, such as switching from a fixed-rate to a variable-rate mortgage, or vice versa. 🚪
Additionally, you may explore options for extending your mortgage term to lower monthly payments or shortening the term to achieve debt freedom sooner. ✈

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

Happy Father's Day to all the dads and father figures in our lives. ❤️

Juggling multiple debts with varying interest rates and payment schedules can be a source of stress and financial strain. 😰
Thinking of remortgaging? Call us today on 0345 2185211! 📞

THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

Your home is more than just a place to live; it's an investment that can appreciate in value over time. Remortgaging allows you to tap into this accumulated equity, providing funds for long-awaited home improvements. 🛠

Whether it's renovating the kitchen, expanding the living room, or enhancing energy efficiency, these upgrades can improve your living experience and potentially increase your property's resale value. 📈

Thinking of remortgaging? Call us today on 0345 2185211! 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

Remortgaging is a strategic move that can open doors to significant savings, enhanced flexibility, and a more secure financial future. Let's delve into the compelling reasons that make remortgaging a worthwhile consideration for many homeowners. 🏠

Securing a Lower Interest Rate:
Interest rates are the cornerstone of mortgage payments, and even a slight reduction can translate into significant savings over the loan's term. The money you save could be allocated towards other financial goals, such as debt consolidation or retirement planning. ✈

Thinking of remortgaging? Call us today on 0345 2185211! 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

Our latest blog looks at whether you should overpay your mortgage. 🤔

You may be wondering whether it’s worthwhile paying more than the minimum repayment each month, to save money in the long run. 💸

Read the blog 👇
https://www.justmortgages.co.uk/news/posts/2024/june/overpaying-your-mortgage-should-you-do-it/

If you have protection cover, you may have access to these benefits!
✅ The majority of services are free - You don’t need to claim on your policy to use them and they can be used regardless of pre-existing conditions.
✅ They are easy to use and convenient - Many of these services are available for you to book online at a date and time to suit you.
✅ They are also easily accessible, whether via an online consultation, an app, or a helpful professional on the end of the phone.
✅ They are provided by experts - The support you receive is provided by medical and health experts.
✅ They are good for your health and wellbeing - From serious illness to everyday healthcare support, fast access to expert advice and support can be included in your protection policy.

Health and wellbeing services can be discussed with your adviser when you’re considering a protection policy. By looking at the needs of you and your family, we can help you get the right protection in place. ☂

Ready to get started? 📞✉

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

If you don’t know which way to turn and you’ve left remortgaging until the last minute - don’t panic! 🚨

There is no doubt it can feel overwhelming for homeowners at a time when interest rates are constantly changing. 😰

Talking to an adviser as soon as you can is crucial to avoid rushing and potentially ending up with a less favourable deal. 🤝

If you haven’t got a new deal in place when your fixed rate mortgage ends, your lender will put you onto their standard variable rate, which tends to be higher than the rates on most other mortgage options. So it pays to get the right mortgage for you in place. 📈

We can search an extensive panel of lenders for you, finding deals and options that you may not have even considered. We're ideally placed to check what your current lender will offer you and what you could get elsewhere. Contact us today! 📞✉

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

There are many ways you can help yourself if you are a mortgage prisoner including:
- Attempt to pay off your mortgage early – find out from your lender if there are any charges for overpaying on your mortgage payments.
- Decrease other debts and outgoings – this can help you to pass a lenders affordability assessment.
- Enquire about a pay rise – to help increase the maximum amount that you can borrow.
- Consider a smaller property – downsizing or moving to an area with cheaper property prices.

Not every mortgage prisoner is in the same situation. Exploring your options with a mortgage adviser will help reassure you on how to deal with being a mortgage prisoner. Get in touch with us and find out how we can help you! 📞💻

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 25/04/2024

Our latest blog is all about 24/25 tax planning. 🗓

Find out what your priorities should be! 👇

https://www.justmortgages.co.uk/news/posts/2024/june/202425-tax-planning-is-underway/

If you’re looking for a Buy to Let mortgage in the current economic climate, the prospect may feel a little daunting. There’s no denying that as a landlord, due to remortgage, you may be facing higher mortgage rates and monthly payments which could put a squeeze on your profits. 😟

To help set you up before you speak to an adviser, we’ve put together a useful breakdown of the key information you’ll need to know before the lending process gets underway. ✅

Calculating the Interest Cover Ratio (ICR) - The ICR is a regulatory requirement set by the Prudential Regulatory Authority. It’s part of a lender’s basic affordability calculation that’s typically applied to Buy to Let mortgage applications. A requirement of a typical Buy to Let mortgage might be that a borrower’s property can achieve rent worth at least 125% of the mortgage payments at a notional interest rate, so the ICR in this example is 125%. A stressed ICR of 125% based on a higher rate reflects the amount of gross rental income required for landlords to break even. Lenders will also be factoring in the costs of mortgage repayments (considering interest rates), tax and property maintenance. 🛠

If the expected yield doesn’t sufficiently exceed the notional interest rate, lenders may look at additional sources of income to assess affordability. 🔎

Thinking about a Buy to Let mortgage? We can guide you through the process, call us today! 📞

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
SOME BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 28/02/2024

Our latest blog discusses Buy-to-Let: Exploring a Potential Avenue for Income and Growth. 📈

Take a look 👇
https://www.justmortgages.co.uk/news/posts/2024/may/buy-to-let-exploring-a-potential-avenue-for-income-and-growth/

As a parent, your children depend on you financially. But should you become ill or injured and unable to work, would your family be able to manage without your income? 🤔

Would your family be able to cover all the essential monthly outgoings – not to mention the extras you’re used to having? 🛍

In a two-parent family, even with a safety-net of sick pay and savings, you might struggle to keep up with your regular outgoings on one income, especially if you’re not well enough to go back to work for a substantial amount of time. 🤕

Financial struggle for your family is the last thing you need when you’re trying to recover from a medical condition. 🤒

Income protection can be discussed with a Just Mortgages adviser – so you can make sure you have the right protection in place to protect you and your family’s financial future. 🤝

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 28/02/2024

We hope you all have a wonderful bank holiday ☀

We hope everyone enjoys the bank holiday weekend! 🌸🌷

Here are some of the health and wellbeing services you could get with your policy. Please be aware that not all insurers include these, so it’s well worth making sure you speak to your adviser to make sure you have the right cover in place for you and your family. 👨‍⚕️👩‍⚕️

• Access to an online GP
• Nutrition consultants
• Mental health consultants
• Online physiotherapy
• Health MOTs
• Nurse healthlines
• Fitness apps
• Second medical opinion service
• Bereavement support
• Legal support

Health and wellbeing services can be discussed with your adviser when you’re considering a protection policy. By looking at the needs of you and your family, we can help you get the right protection in place. 🤝

Ready to get started? Call us now on 0345 2185211 📞

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 28/02/2024

There are factors to consider before you make the decision. 🤔 Here are the disadvantages:
It’s important to consider interim costs, however, like whether you decide to rent in the area you’re thinking of moving to, as the search could take some time. 🏠

There are also fees to pay when selling your home including stamp duty, survey costs, legal expenses, agents’ fees and moving costs. Your adviser will be able to help breakdown these costs for you. 💳

There are also tax implications for downsizing, like inheritance tax and whether your estate may still be able to benefit from the residence nil rate band (RNRB) even if you have downsized your property before your death. The rules around this are complex and often come with qualifying conditions, however, so it’s essential to let your adviser examine your options and potential tax implications beforehand. 📈

It’s an emotional decision too, especially if the home you are selling is where your children grew up and holds happy memories. Talk about it as a family so that you are all clear about the reasons for the move. Think about your future and planning what your retirement income and outgoings could be in your current home compared to a smaller one. 👶

Thinking about downsizing? Let’s discuss whether this is the right option for you. Contact us today at [email protected] ✉

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 29/02/2024

Downsizing could mean lower overheads as well as the extra cash from the sale of your home. But there are factors to consider before you make the decision. Here are some of the advantages of downsizing:

From reducing household bills to boosting retirement savings, there are plenty of reasons why people choose to downsize and move to a smaller property. Along with cutting your bills, helping you to pay off debt and putting some money towards your retirement savings goals, downsizing has other benefits too.

The stress of maintaining a larger home might become unmanageable as you grow older – leaving you out of pocket and physically drained too. Moving to a less expensive-to-run, smaller home could make your life simpler, leaving you with more time to do the things you enjoy during your retirement years.

Thinking about downsizing? Contact us today at [email protected]

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 28/02/2024

Our latest blog is all about how inflation affects the spending power of your money.🤝

Read the blog here 👇
https://www.justmortgages.co.uk/news/posts/2024/may/how-does-inflation-affect-the-spending-power-of-your-money/

It’s worth bearing in mind that becoming a parent may mean you now only have one income if one parent is staying at home for childcare purposes. Protecting this main source of income is essential, as is the case with one-parent families. 👶

By protecting your family this way, you can get help with mortgage payments, bills and food, as well as clothes, transport and leisure – protecting not just your essential outgoings, but your family’s lifestyle too. Putting income protection in place alleviates the risk of financial instability by providing your family with a regular source of income, so you have the peace of mind that your children will be provided for until you get better. 😊

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 28/02/2024

Any mortgage decision needs to be carefully considered, which is why we are on hand to provide you with the expert advice you need to make an informed choice. 🤝

This decision will depend on your circumstances. Maybe you have a separate investment vehicle to pay off the debt, or perhaps you’ve built up significant equity in your property and plan on down-sizing at the end of your mortgage term. If that’s the case, then an interest-only mortgage could be an avenue that we can explore together. 🚗

Email us and let’s talk through whether this is the right option for you! ✉

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 28/02/2024

Our latest blog discusses how to protect your income and create a plan for financial security. ☂🔒

Learn what income protection is, how it works and why it is important for your family’s security in case of emergency. 🚨

Read the blog here! 👇
https://www.justmortgages.co.uk/news/posts/2024/may/how-to-protect-your-income-and-create-a-plan-for-financial-security/

If the interest rates have changed or it's just been a while, it may be time to remortgage!

If the process is entirely new to you, or it's just been a while, here is a handy guide to explain the process!🏡🔑


https://www.justmortgages.co.uk/news/posts/2022/april/benefits-of-remortgaging/

Every circumstance is different, so finding the right deal for you is crucial 🏡



Approved by The Openwork Partnership on 29/03/2023

Just Mortgages is a trading style of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Are you clear on what a 'non-household expense' is?

Here are just a few examples! 💸

Looking to boost your credit score this year? 📈💡

Have a read of just some of the things you can do to make that happen! 👇


https://justmortgages.co.uk/news/posts/2022/january/ways-to-boost-your-credit-score/

There's only 10 days to go until the London Home Show.

Are you planning on attending? Let me know in the comments👇

Have you been considering Shared Ownership as a way to get on the property ladder this year? 🏡

Take a look at this Guide to Shared Ownership to find out if it could work for you! 🔑


https://justmortgages.co.uk/news/posts/2022/january/a-guide-to-shared-ownership/

Whether you're a first time buyer, or you're finally ready for that dream home, knowing your options avaliable is a great next step! 🏡



Approved by The Openwork Partnership on 06/09/2022

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Are you looking to sell your home? 💸

Here are some helpful tips on presenting your home to potential buyers. 🏡

Buying the dream New Build property can be very tricky! 🤔 ☁

Here are a few tips to keep in mind when searching. 🏡🔨

Are you a first time buyer and want to know how to boost your chances of getting a mortgage? 🔑

Take a look below 👇